Personal loans in Enville, TN

The roughly 186 people who live in Enville borrow under Tennessee rules; city hall sets no personal-loan rate. Enville is one of 344 Census places in Tennessee; its 186 residents put it at 334th.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The nearest larger city is Milledgeville, TN about 4 miles away. The trend for Enville between 2020 and 2023 is upward by roughly 0.5%. State law, not city hall, decides what a lender may do to Enville's roughly 186 residents, and a state regulator supervises it. Judge Enville offers on total cost, not on how quickly the money arrives.

Enville: the sourced local profile

What follows is Enville's place in the Census record, alongside the Tennessee rules that govern a personal loan made here.

Enville's place among Tennessee's 344 places

Set beside Tennessee's 344 places, Enville ranks 334th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 219th of 344 Tennessee places, putting it near the 36th percentile for growth. By density, at about 129 people per square mile, it ranks 326th in Tennessee. Between 2020 and 2023 the count changed by roughly 1 residents.

The geography behind Enville

Enville covers about 1.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 129 people per square mile. The largest place in Tennessee, Memphis, lies about 89 miles away. Counting outward 50 miles, 59 larger communities surround Enville. The 100-mile radius contains 251 larger places.

Getting a loan in Enville

With about 129 residents per square mile, Enville is lightly settled, and 59 larger Census places sit within 50 miles. Distance to a branch rarely matters for Enville's 186 residents: the application is online and the price follows your credit file. The nearest larger city, Milledgeville, TN about 4 miles away.

How Tennessee law applies in Enville

These are Tennessee's sourced lending facts as they reach Enville's 186 residents; the state has no city-level rate rule.

RuleDetailSource
State lending regulatorTennessee Department of Financial Institutions (TDFI)
Source says: The Department regulates banks, credit unions, trust companies, business and industrial development corporations, industrial loan and thrift companies
Tennessee Department of Financial Institutions (TDFI)
as of 2026-09-16
Maximum legal interest rate (usury cap)10.75% per annum (maximum effective formula rate for written contracts, announced September 15, 2026)
Source says: the maximum effective formula rate of interest in Tennessee is 10.75 percent per annum
Tennessee Department of Financial Institutions (TDFI)
as of 2026-09-16
Payday lending statusLicensed; deferred presentment services (payday) lenders must obtain a TDFI license, including internet lenders (Tenn. Code Ann. § 45-17-103)
Source says: deferred presentment services in this state through the use of the internet, facsimile, telephone, or other means without having first obtained a license
Tennessee Department of Financial Institutions (TDFI)
as of 2026-09-16

The Enville borrowing checklist

A sensible order of operations for a loan in Enville, home to about 186 people:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Model the payment on the calculator before a lender models it for you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Make sure the lender appears in the Tennessee regulator's licence list.
  5. Decide the purpose and how you will repay it before approaching any lender.
  6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  7. Check the disclosure for fees that raise the true cost above the quoted rate.

In Enville as elsewhere in Tennessee, the written terms — not the advertisement — are what count for its 186 residents.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Enville if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Enville is the same as anywhere in Tennessee.
What loan size can I expect in Enville?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Enville?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Enville cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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